BBB Business Review

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This business is not BBB accredited.

Union Workers Credit Services Inc

Find a Location

Phone: (877) 835-0969 Fax: (214) 905-3250 View Additional Phone Numbers PO Box 955003, Fort Worth, TX 76155 ! There is an alert on Union Workers Credit Services Inc !

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For a fee, this firm offers a credit card that can only be used in their merchandise catalogue. It is not a major credit card. According to the company, "Union Workers Credit Services offer their members several direct and discount benefits."

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:

  • This business has no rating because it is out of business.

Customer Complaints Summary Read complaint details

251 complaints closed with BBB in last 3 years | 5 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 140
Billing/Collection Issues 6
Delivery Issues 18
Guarantee/Warranty Issues 3
Problems with Product/Service 84
Total Closed Complaints 251

Additional Complaint Information

BBB files indicate that this business has a pattern of complaints concerning Advertising, Sales, and Services Issues.  Specifically, complaints allege consumers receive an advertisement alleging for $37 they have been pre-approved for a platinum credit card membership with a guaranteed $10,000 credit limit valid exclusively toward all credit purchases from credit providers.  What the consumer receives in the mail is a paper card  and a magazine to order from.  Consumers are not told the card received is not a major credit card and can only be used to purchase the company's merchandise.  Complaints allege difficulty reaching the company at the telephone numbers provided.

The business states on their advertisement "You have been approved for this platinum card membership offer because you satisfied certain consumer criteria.  Visa and MasterCard are registered trademarks of Visa International and MasterCard, Inc. respectively, and are unaffiliated with this offer or UWCS.  Credit amount referenced herein shall not be construed to function as any type of multi-purpose credit card and is exclusively applicable for credit purchases from UWCS."  The business responds to complaints by offering refunds.

On August 2, 2012, the BBB sent certified correspondence to Union Workers Credit Services Inc. requesting their voluntary cooperation in eliminating the pattern of customer complaints.  The BBB has not received a response.

Customer Reviews Summary Read customer reviews

22 Customer Reviews on Union Workers Credit Services Inc
Customer Experience Total Customer Reviews
Positive Experience 2
Neutral Experience 1
Negative Experience 19
Total Customer Reviews 22

Additional Information

BBB file opened: April 28, 2005 Business started: 03/21/2005 Business started locally: 03/21/2005 Business incorporated 03/21/2005 in DE
Type of Entity


Contact Information
Principal: Joe Malazzo, President
Business Category

Credit Cards & Plans Buying Clubs & Group Purchasing Service Credit Cards & Plans - Equipment & Supplies

Alternate Business Names
CCS union workers credit service UNION WORKERS ADVANTAGE Union Workers Credit Services UWCS
Additional Information

The Better Business Bureau contacted the company to ask them what "union" they were affiliated with. Union Workers Credit Services responded by stating "We are not affiliated with a "union." In fact, we never represent or state that we are affiliated with any "union." Our name refers in part to the fact we provide services to union workers." The company further states "As part of the many benefits we offer, our members automatically become part of "Privilege Card International." Part of the benefits flowing from being a member of Privilege Card International is substantial discounts off motels, hotels and resorts throughout the United States and world, and assistance in receiving the lowest airfare, cruise prices and car rentals. All of those Membership benefits are described in detail in the Membership fulfillment package all Union Workers' members receive and at our website."

Out of Business

On May 19, 2015, BBB was notified that the sole shareholder of the business, Mr. Joseph Malazzo, had passed away and that the company had been dissolved.

Industry Tips
**** Credit Card: Obtaining a Buying Clubs

BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.